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We’re a small bank, but we do our absolute best to go above and beyond your expectations and needs. From direct deposit to telephone banking and online loan payments, here are some additional services from which you can benefit.

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Direct Deposit

Build your balance — automatically. Have all or part of your check deposited to your account balance every month. Speak to a helpful representative to add this convenience today.

Visa® Debit Card

Visa® debit cards offer the same exact services traditional checks do, just with much greater ease.

Make payments virtually anytime, anywhere with your debit card. At Citizens Bank & Trust, you can even use your card to help earn rewards with your Citizens checking account! You can even earn cash for your school and show your school spirit with a School Spirit Debit Card! 

Your card’s benefits:

  • Make purchases both online and offline
  • Get yourself cash from any ATM
  • Funds are deducted directly from your checking account
  • More widely accepted than checks
  • A safer option than carrying cash
  • Receive monthly statements of your transactions
  • Easily report a lost or stolen ATM/Debit Card via 1-800-791-2525

School Spirit Cards

School Spirit Cards are available for Albertville Aggies, Arab Knights, Elkmont Red Devils, Guntersville Wildcats, Lauderdale County Tigers, Hazel Green Trojans and New Hope Indians. Contact your local office today to order your School Spirit Card.

Note: PINless debit transactions on Mastercard-branded debit cards may not be processed as Mastercard transactions and therefore may not receive Mastercard protections and benefits.

Overdraft and returned item fees may apply as a result of card usage.

Safe Deposit Box Rental

Enjoy greater peace of mind by adding an extra layer of protection to your most valuable possessions with our Safe Deposit Boxes1. For details on available sizes and prices, head over to any Citizens Bank & Trust branch.

1Safe Deposit Boxes are not FDIC insured.

Telephone Banking

We're sure there are several times when you can't quite make it somewhere, but you could make a phone call.

This principle also applies to your banking. Tied up without access to a computer? No problem. Simply pick up a phone to manage your accounts — all through a simple and fast process, on your own time.

Telephone services:

  • Quick and easy banking access
  • 24/7 access to information
  • Multiple banking functions at your disposal
  • Access to your checking and savings account information
  • Easily change your secret PIN number
  • Transfer funds when you want

Our toll-free telephone banking number is 800-458-3305.

Wire Transfer Services

Move money across county, state, country, or even the world with ease. We offer customers both domestic and international wire transfer capabilities. Contact us for more details.

Online Loan Payment 

We make loan payments simple and painless. Head over to our Online Loan Payment portal, and easily manage your loan.